These terms and conditions apply to the Skarbly app for mobile devices, together with any related services operated by Krystsina Chukhlei (collectively, the "Application"). Krystsina Chukhlei is hereby referred to as the "Service Provider".

By downloading or using the Application, you agree to these Terms and Conditions. You should read them carefully before using the Application.

Subject to your compliance with these Terms, the Service Provider grants you a limited, non-exclusive, non-transferable, revocable license to install and use the Application on a mobile device for personal or internal business purposes. You may not reproduce, distribute, modify, create derivative works from, reverse engineer, decompile, or disassemble the Application, except as and only to the extent that such activity is expressly permitted by applicable law.

By accessing and using this Application, you represent that you are legally permitted to use it in your jurisdiction. You must be at least 13 years of age to use the Application, or such higher minimum age of digital consent as applies in your jurisdiction (up to 16 in certain EEA countries). If you are under 18, a parent or legal guardian must review and accept these Terms on your behalf.

The Service Provider retains all intellectual property rights in the Application, including its code, design, trademarks, service marks, trade names, logos, and branding (the "IP"). Nothing in these Terms grants you any license or right to use the Service Provider's trademarks, logos, or branding for any purpose. You agree not to remove, alter, or obscure any copyright, trademark, or other proprietary notices displayed in or on the Application.

Unauthorized copying or modification of the Application, any part of the Application, or the Service Provider's trademarks is strictly prohibited. Any attempts to extract the source code of the Application, translate the Application into other languages, or create derivative versions are not permitted. All trademarks, copyrights, database rights, and other intellectual property rights related to the Application remain the property of the Service Provider.

The Application is a personal storage tool. Content you save through the Application (screenshots, images, files, web links, titles, and tags) remains yours. The Service Provider claims no ownership of it.

Content you save is stored on your device and, if you enable iCloud sync, in your own private iCloud database. It is not transmitted to the Service Provider's servers, and the Service Provider has no independent access to it and cannot read it. Accordingly, the Service Provider does not review, moderate, or filter the content you save.

You grant the Service Provider only the limited rights necessary to operate the Application for you: to store, process, display, and synchronize your content on your devices through the features you enable. This license is limited to providing the Application to you, terminates when you delete the content or stop using the Application, and does not permit the Service Provider to use, publish, sell, or sublicense your content for any other purpose.

You are solely responsible for the content you save and for ensuring that saving and storing it is lawful in your jurisdiction. You agree not to use the Application to store or process content that:

• Is illegal or violates third-party intellectual property rights (copyright, trademark, patents)
• Constitutes child sexual abuse material or any other content whose possession is unlawful
• Contains malware or is used to distribute malware
• Violates the privacy or personal data rights of others

Because the Service Provider cannot access the content you save, enforcement of these rules relies on your compliance. Where the Service Provider becomes aware of unlawful use through a report or legal process, it may suspend or terminate your access to the Application and cooperate with law enforcement as required by applicable law.

Content you save may include personal data. Processing of personal data is governed by the Privacy Policy. Do not save the personal data of others without a lawful basis for doing so.

If you believe the Application is being used in a way that violates these Terms, infringes your rights, or is unlawful, you may report it to the Service Provider at skarbly.support@gmail.com. The report should include enough information for the Service Provider to identify the issue, evaluate the complaint, and contact you if follow-up is required.

The Service Provider will review reports, request additional information where necessary, and take action against the responsible account where appropriate. Users affected by such decisions may contact the Service Provider at skarbly.support@gmail.com to request further review. The Service Provider will respond to appeals within a reasonable period and provide the reasons for any upheld decision, subject to applicable law.

The Service Provider may suspend your access to the Application or services if you materially breach these Terms. The Service Provider will provide you with written notice of the breach and, where the breach is capable of cure, you will have 14 days from receipt of notice to remedy the breach. If you fail to cure the breach within that period, the Service Provider may terminate your access.

The Service Provider may suspend or terminate your access immediately without notice if you violate applicable law, infringe intellectual property rights, or engage in activity that could cause harm to other users or the Service Provider.

Upon termination, your right to use the Application will end and you must delete all copies from your devices.

The Service Provider is dedicated to ensuring that the Application is as beneficial and efficient as possible. As such, they reserve the right to modify the Application or charge for their services at any time and for any reason. Any charges for the Application or its services will be clearly communicated to you in advance.

The Service Provider may wish to update the Application at some point. The Application is currently available in accordance with the requirements for the operating system (and for any additional systems the Service Provider decides to extend availability to), and those requirements may change. You will need to download updates if you want to continue using the Application. The Service Provider does not guarantee that it will always update the Application so that it remains relevant to you or compatible with the particular operating system version installed on your device. You should accept updates when offered; if you choose not to, the Service Provider may cease to support earlier versions and the Application may not function properly. The Service Provider may also cease providing the Application and terminate its use at any time. Unless they inform you otherwise, upon any termination: (a) the rights and licenses granted to you in these Terms will end; and (b) you must cease using the Application and, if necessary, delete it from your device.

It is your responsibility to maintain the security of your device and access to the Application. The Service Provider strongly advises against jailbreaking or rooting your device, which involves removing software restrictions and limitations imposed by the official operating system. Such actions could expose your device to malware, viruses, and malicious programs, compromise your device's security features, and may result in the Application not functioning correctly or at all.

Some functions of the Application require an active internet connection, which can be Wi-Fi or provided by your mobile network provider. The Service Provider cannot be held responsible if the Application does not function at full capacity due to lack of access to Wi-Fi or if you have exhausted your data allowance.

If you are using the Application outside of a Wi-Fi area, your mobile network provider's agreement terms still apply. You may incur charges from your mobile provider for data usage, or other third-party charges. By using the Application, you accept responsibility for any such charges, including roaming data charges if you use the Application outside your home territory without disabling data roaming. If you are not the bill payer for the device on which you are using the Application, it is assumed that you have obtained permission from the bill payer.

Similarly, the Service Provider cannot always assume responsibility for your usage of the Application. For instance, it is your responsibility to ensure that your device remains charged. If your device runs out of battery and you are unable to access the Application, the Service Provider cannot be held responsible.

The Application utilizes third-party services that have their own terms and conditions. Below are the links to the terms of the third-party service providers used by the Application:

• Google Analytics for Firebase
• Firebase Crashlytics
• Amplitude
• RevenueCat

The Application offers optional premium features through auto-renewable subscriptions and one-time in-app purchases, processed by Apple through the App Store. Prices, billing periods, and the features included are displayed in the Application before purchase.

• Payment is charged to your Apple Account at confirmation of purchase.
• Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current billing period; your account is charged for renewal within 24 hours prior to the end of the current period.
• You can manage and cancel subscriptions at any time in your device settings (Settings → your Apple Account → Subscriptions). Deleting the Application does not cancel a subscription.
• If a free trial or introductory offer is provided, any unused portion of the trial is forfeited when you purchase a subscription.
• Refunds are handled by Apple in accordance with the App Store terms; refund requests can be submitted at reportaproblem.apple.com. For consumers in the European Union: where you expressly consent to immediate performance of digital content and acknowledge losing the statutory 14-day right of withdrawal, that right no longer applies to the extent provided by applicable law. Statutory consumer rights and warranties remain unaffected.
• Prices may change. Any price change will be communicated to you in advance and, where required by law or by App Store rules, will take effect only for subsequent billing periods and/or subject to your consent.

To the fullest extent permitted by law, the Service Provider shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data loss, or business interruption, even if advised of the possibility of such damages.

However, the Service Provider retains full liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded or limited under applicable law

To the fullest extent permitted by law, the total liability of the Service Provider for any claim shall not exceed the amount paid by you to the Service Provider for the Application in the 12 months preceding the claim, or the minimum amount that must be paid under applicable law, whichever is greater. If the Application is provided free of charge, the Service Provider's liability is limited to the minimum amount permitted by applicable law.

The Service Provider accepts no liability for any loss, direct or indirect, that you experience as a result of relying entirely on third-party information accessed through this Application, or for inaccuracies in content provided by third parties.

Nothing in these Terms shall limit any rights you have under applicable consumer protection laws that cannot be lawfully excluded.

To the fullest extent permitted by law, you agree to indemnify and hold harmless the Service Provider, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or directly related to your breach of these Terms or your intentional misuse of the Application.

This indemnification does not apply to claims arising from the Service Provider's own negligence, breach of these Terms, or violation of applicable law. In jurisdictions where consumer indemnification is restricted by law, this clause shall be limited to the maximum extent permitted.

These Terms and Conditions are governed by the laws of the Republic of Poland, excluding its conflict of law rules. If you are a consumer, this choice of law does not deprive you of the protection afforded by mandatory provisions of the law of the country in which you have your habitual residence (Art. 6(2) of Regulation (EC) No 593/2008, "Rome I").

Any dispute arising out of or relating to these Terms will be brought before the competent courts of the Republic of Poland. If you are a consumer residing in the European Union, you may also bring proceedings in the courts of your country of residence, and proceedings against you may be brought only in those courts, in accordance with Regulation (EU) No 1215/2012 ("Brussels I bis"). Nothing in this clause limits any rights you may have to bring a claim in a court that is competent under mandatory law.

The Application is a personal storage tool. Content saved through the Application is stored on the user's own device and in the user's own iCloud account, is not transmitted to or hosted by the Service Provider, and is not made available to other recipients of the service. On that basis, the Service Provider does not consider the Application to be a hosting or intermediary service within the meaning of Regulation (EU) 2022/2065 ("DSA").

To the extent that any provision of the DSA nonetheless applies, the Service Provider maintains a single point of contact for direct communication with EU authorities and recipients of the service, reachable at skarbly.support@gmail.com, and will handle notices of allegedly illegal use, provide statements of reasons for any restriction imposed on an account, and engage in good faith with certified out-of-court dispute settlement bodies, in accordance with Articles 16, 17, and 21 of the DSA. Use of out-of-court dispute settlement does not affect your right to seek a judicial remedy under applicable law.

The Application is distributed through the Apple App Store. The following terms apply in addition to, and in the event of conflict prevail over, the other provisions of these Terms, to the extent required by Apple's agreements:

• These Terms are concluded between you and the Service Provider only, and not with Apple Inc. ("Apple"). The Service Provider, not Apple, is solely responsible for the Application and its content.
• The license granted to you is limited to a non-transferable license to use the Application on Apple-branded products that you own or control, as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that the Application may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing.
• Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Application.
• In the event of any failure of the Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the Application to you; to the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the Application.
• Apple is not responsible for addressing any claims by you or any third party relating to the Application or your possession and use of it, including product liability claims, claims that the Application fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.
• In the event of any third-party claim that the Application or your possession and use of it infringes that third party's intellectual property rights, the Service Provider, not Apple, is responsible for the investigation, defense, settlement, and discharge of such claim.
• You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
• You must comply with applicable third-party terms of agreement (for example, your wireless data service agreement) when using the Application.

If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions of these Terms shall remain in full force and effect.

These Terms and Conditions, together with the Privacy Policy, constitute the entire agreement between you and the Service Provider concerning your use of the Application, superseding any prior agreements or understandings.

The Service Provider may periodically update these Terms and Conditions. You are advised to review this page regularly for any changes. The Service Provider will notify you of any changes by posting the new Terms and Conditions on this page.

Previous versions of these Terms and Conditions will be maintained and made available upon request by contacting the Service Provider at skarbly.support@gmail.com.

If you have any questions or suggestions about these Terms and Conditions, please do not hesitate to contact the Service Provider at skarbly.support@gmail.com.

These terms and conditions are effective as of 2026-09-04.